Get paid when you need it
Transfer funds instantly to your bank account, whenever life throws you a curveball.
In moments of financial stress, Rain helps you weather the storm and build toward financial health. From on-demand pay and protection from overdraft fees to no-fee debit cards and automated savings plans, Rain provides you with a valuable lifeline to ease financial stress.
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Skip the traditional 2-week pay cycle and get access to your pay the moment you complete your shift.
Access earned wages instantly with no debt or interest traps.
Choose where you want your money to go, whether that's your checking account for bills or your card for immediate spending.
Transfer up to 40% of your accrued earnings. Take what you need — you already earned it.
This isn't just another debit card. It's your direct line to the money you've already earned.
Connect your Rain debit card to instantly receive earned wage transfers. Your available pay flows directly to your card in real-time.
Swipe, tap, or insert your Rain Card at millions of locations worldwide. Pay for gas, groceries, bills, or online shopping with money you've already earned.
Need cash? Use your Rain Card at any in-network ATM with no fees. Find the nearest fee-free ATM right in the app. Out-of-network ATM fees may apply, but your earned wages are always accessible when you need them.
Spending Trends helps you visualize exactly where your money is going.
See where you're spending your money — entertainment, transportation, groceries, and more.
View your spending habits between current and previous months.
When an linked account gets below $100, get a notification to avoid overdraft fees.
When your bank balance starts to drop, we step in. Balance Protection moves money from your earned wages to your checking account, keeping you above your comfort zone and helping you avoid overdraft fees.
Connect your bank account securely so Rain can keep an eye on your balance daily.
Rain watches for warning signs that you might be at risk of an overdraft. When your checking account dips below $100, we automatically trigger Balance Protection to keep you safe.
We transfer money from your available earned wages to keep you above zero and avoid overdraft fees.
This FAQ is designed to help Cooper Norcross Health team members learn more about Cooper Norcross Health's partnership with Rain. If you have additional questions after reviewing this FAQ, please contact Rain directly by phone, (424-369-7246), or email, care@rain.us.
Rain is a financial health benefit offered by Cooper Norcross Health. Through the Rain app, team members can access their earned wages before their regularly scheduled payday.
[Launch date TBD]
Through the Rain app, team members make a request to receive a portion of their earned wages before their scheduled payday. The amount advanced is then deducted from the team member's next paycheck. The pay advance is not deemed a loan and no interest is assessed.
Rain is not a loan, and there are no fees other than the small advancement fee of $3.49 for instant transfers. There is no interest. The money advanced from Rain is money the team member has already earned at work. Anything advanced is deducted from the team member's next paycheck.
Cooper Norcross Health signed up for Rain so that team members can access earned wages from the Rain app. Earned wage information comes directly from Cooper Norcross Health. Team members will see earned wages in the Rain app within 24 hours of a completed shift.
Rain is part of Cooper Norcross Health's broader financial well-being program. When the immediate need for funds occurs between paychecks, Rain gives team members an alternative to high-interest payday loans and overdraft fees.
• ACH transfer to any bank account (1–3 business days): FREE
• Instant transfer to an external debit card: $3.49 fee per transfer
- Fee is adjusted from the next paycheck, not the transfer
Rain is available to all active Cooper Norcross Health team members aged 18 and older. Team members on a leave of absence are not eligible until they return to active status.
Hourly team members: For pay advance purposes, eligible pay is always calculated based on the team member's hourly wage rate.
Salaried team members: Eligible pay is calculated to an hourly rate using a formula based on the team member's annual salary.*
The team member's annual salary is converted to a bi-weekly salary (annual salary divided by 26 paychecks annually), then to a daily salary (bi-weekly salary divided by 14 days in the pay period), then to an hourly salary (daily salary divided by 24 hours in a day). For pay advance purposes, a salaried team member then accrues eligible pay every 4 hours throughout the pay period. For example, a team member with a $50,000 salary will accrue $5.72 every hour, 24/7.
Rain receives team member punch data multiple times per day, and the Rain app will reflect a balance of pay that can be advanced. Wages will be reflected in the Rain app within 24 hours of the team member's shift ending.
Download the free "Rain Instant Pay" app from the Apple App Store or Google Play Store. Create an account using the email address and phone number that matches your payroll profile with Cooper Norcross Health.
You may need to log in to Cooper Norcross Health's team member system to update your contact information if Rain is unable to validate you are a current team member.
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